When Car is Stolen How does Insurance Cover it?


In this day and age, having a car stolen is not a rare occurrence. It happens to thousands of people in the United States every year. You will surely be caught off guard by an individual stealing your vehicle if you don’t have any insurance for your car.

To make matters worse, it’s often difficult to get compensation for your lost vehicle when it’s stolen but fortunately, there are ways that you can help offset the financial losses that come with having your car stolen.

You may be wondering how insurance covers stolen cars, and what you can do to make sure that your car isn’t a victim of theft. Read on to find out more about how your car insurance company will cover the costs of having your vehicle stolen.

Also, Read;

What Counts as a Stolen Car?

When Car is Stolen How does Insurance Cover it
How does Insurance Cover after Stolen Car

Whether you have collision or comprehensive coverage, every car owner needs to know what qualifies as a “stolen vehicle” on their auto insurance policy. A stolen car stands for any type of vehicle that has been reported as stolen.

First, the insurance company will handle a claim based on your car’s VIN number. A VIN stands for Vehicle Identification Number, and it is a unique 17-digit code that identifies your vehicle model, make, and vehicle year.

The insurance company will contact the National Insurance Crime Bureau (NIRC) or the National Motor Vehicle Title Information System (NMVTIS) to determine if your vehicle was reported as stolen. If the insurance company finds out that your car was stolen, they will remove your car from their rating system.

How a Stolen Car is Covered?

There is no specific definition of what happens when you have a stolen car. It all depends on your state’s insurance laws. In most states, insurance companies are not required to fully compensate you for any losses that occur due to a stolen vehicle.


If you are in an unfortunate situation where someone steals your vehicle, you will want to make sure that you understand what your coverages are. If you have a car insurance policy and your car is stolen, you will want the police report and a copy of the policy to submit to your insurance provider.

We hope this information is helpful for you and we would love to hear your thoughts. You can reach out to us. Thank you for reading and we hope this article will answer some of your questions.


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